People have said the same about Ripple, for over 6-7 years now, they said Ripple will replace the SWFIT banking system - but guess what, it's trading at $0.30 and never even went back to the peak of $3.00 around 2017-2018, not even $2.

The "projected to appreciate" is a speculation - the governor of Bank of England said those who hold Bitcoin would lose lots of money - so far he was right and he gave this warning many months ago.